SFST Stock Analysis: Buy, Sell, or Hold?
SFST - Southern First Bancshares, Inc.
$59.72
0.97 (1.65%)
▲
5d:
+1.6%
30d:
+4.64%
90d:
+11.92%
BUY
MODERATE Confidence
Analysis Updated: Jun 23, 2026 12:00 AM ET
Earnings: Jul 28, 2026
Get Alerted When SFST Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
💡 BUY OPPORTUNITY: SFST shows positive signals but monitor for confirmation. Market pricing in 0.4% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: SFST shows positive signals but monitor for confirmation. Market pricing in 0.4% annual growth which appears achievable. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$108.64
Based on 13.1% avg growth
INTRINSIC VALUE TODAY
$67.46
11.5% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 9.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: SFST is currently trading at $59.72, which is considered slightly high relative to its 30-day fair value range of $56.80 to $59.75. The stock's valuation (Forward PE: 9.7) is in line with its historical norms (9.6). At these levels, the market is pricing in 0.4% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, SFST is showing sideways momentum. The price is approaching resistance at $61.50. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $66.50 (+11.4%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, SFST is showing sideways momentum. The price is approaching resistance at $61.50. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $66.50 (+11.4%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$56.80 -
$59.75
Company Quality Score
58/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
63.8%
All Signals
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($66.50)
- NEUTRAL: Market pricing in 0.4% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$56.80 -
$59.75
Current vs Trading Range
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$56.09
Resistance Level
$61.50
Current Trend
Sideways
Technical data as of
Jun 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.69
Wall Street Target
$66.50
(+11.4%)
Revenue Growth (YoY)
26.2%
Earnings Growth (YoY)
83.1%
Profit Margin
28.7%
Valuation Premium vs History
+0.4% premium
PE vs Historical
9.7 vs 9.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+0.4%
(market-implied from PE analysis)
1-Year Target
$59.96
(+0%)
2-Year Target
$60.20
(+1%)
3-Year Target
$60.44
(+1%)
3-Yr Target (if PE normalizes)
(PE: 10→10)
PE COMPRESSION
$59.90
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 22.2%)
$245.02
(+310%)
Base:
(SPY PE: 9.7, Growth: 22.2%)
$108.98
(+83%)
Bear:
(PE: 8.2, Growth: 22.2%)
$92.63
(+55%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (14x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 13.79 | Current EPS (TTM): $4.26
Bull Case
$93.52
(+57%)
Analyst growth 44.7%, PE expands to 15.2
Base Case
$85.02
(+42%)
Market implied 44.7%, PE stable at 13.8
Bear Case
$39.95
(-33%)
Severe decline -20.0%, PE contracts to 11.7
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: June 24, 2026 3:49 AM ET
Data refreshes hourly during market hours. Next update: 4:49 AM
Data refreshes hourly during market hours. Next update: 4:49 AM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is SFST showing a specific setup today?
Insider Activity (6 Months)
1
Buys
1
Sells
0
Net
INSIDERS SELLING
Recent Transactions
William Iv Maner
BUY
400 shares
2026-03-06
Silvia T King
SELL
2625 shares
2026-02-26
Top Rated Banks - Regional Stocks
Top-rated stocks in Banks - Regional by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
USB
U.S. Bancorp |
BUY
24 analysts |
$64 | 65 BUY |
|
CFG
Citizens Financial Group… |
STRONG BUY
17 analysts |
$73 | 64 BUY |
|
PNC
PNC Financial Services G… |
BUY
23 analysts |
$256 | 62 BUY |
|
MTB
M&T Bank Corporation |
BUY
21 analysts |
$233 | 64 BUY |
|
PB
Prosperity Bancshares Inc |
BUY
14 analysts |
$78 | 67 BUY |
